[boardwaalk]

I’m not sure what the significance of the length of loans is? Surely it’s the overall amount of interest that matters.

I probably wouldn’t want to be paying a loan at the point I would want to be trading something in — but even then I keep things more than even 84 months and you can always just pay it off.

[germinalphrase]

I acknowledge it’s psychological, but the significance - to me - is that these long loan terms exaggerate how expensive a vehicle a person can “afford”. I haven’t bought a new car recently, but I would be shocked if salespeople aren’t hyper focused on that long term/low monthly bill when trying to upsell vehicles/trims.